Sea Girt at a glance
- Population: 1,841 residents, the 266th-largest of 323 places in New Jersey (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,871 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 1.6% lower than the 2020 Census base (US Census Bureau).
- Rank among New Jersey places: 266th-largest of 323 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 18% of New Jersey places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.1305, -74.0338.
- Nearest larger cities: Manasquan, NJ (1 mi); Spring Lake Heights, NJ (1 mi); Spring Lake, NJ (2 mi); Brielle, NJ (2 mi); Point Pleasant Beach, NJ (3 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Lake Como, NJ (3 mi); Bay Head, NJ (4 mi); Mantoloking, NJ (5 mi) (Census populations).
What a personal loan costs in Sea Girt
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
New Jersey lending rules that apply in Sea Girt
Read the table as the compliance picture for a lender serving Sea Girt: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | Civil usury: rates above 6% (agreement not in writing) or above 16% (written contract specifying the rate) Source says: "the civil usury rate is any interest rate greater than 6 percent for an agreement that is not in writing" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Payday lending status | Unlicensed payday lending violates New Jersey's civil and criminal usury rates; payday lenders must be licensed Source says: "out-of-state or foreign entities that have not obtained the required New Jersey license and whose payment terms violate New Jersey's civil and criminal usury rates" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer lender license required for loans of $50,000 or less for personal, family, or household purposes (N.J.S.A. 17:11C-1 et seq.) Source says: "A consumer lender license is required for the making of a loan that is to be used primarily for personal, family or household purposes" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| State lending regulator | New Jersey Department of Banking and Insurance (DOBI); Office of Consumer Finance supervises consumer lenders Source says: "The Office of Consumer Finance regulates 16 types of businesses that provide a variety of consumer financial services." | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Criminal usury limits | 30% for non-corporate borrowers; 50% for corporations Source says: "the criminal usury limitation is 50 percent for corporations and 30 percent for non-corporate borrowers" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
How to compare offers in Sea Girt
The order below is a sensible way to approach a loan in Sea Girt:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in New Jersey using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.